Dear Savvy Senior,

I lost my job last month because of the coronavirus crisis. With little savings, I’ve been thinking about starting my Social Security benefits early to help me get by. But my question is, if I find a new job can I stop my Social Security benefits and restart them at a later date so they can continue to grow? Almost 63

Dear Almost,
Creating a living will (also known as Yes, there are actually two ways you can stop your Social Security retirement benefits (once you’ve started collecting them) and restart them at a later date, which would boost your benefits. But in order to do this certain rules and conditions must be met. Here are your options.
Withdraw your benefits: One way to pause your Social Security benefits is to simply withdraw your Social Security application. But this must be done within 12 months of starting your benefits and you’ll also have to repay what you’ve received so far. If you choose this option, Social Security will treat your application for early benefits as if it never happened.
To withdraw your benefits, you’ll need to complete Form SSA-521 (SSA.gov/forms/ssa-521.pdf) and send it to your local Social Security office. Also be aware that you can only withdraw benefits once in a lifetime.
Suspend your benefits: If you aren’t eligible for withdrawal, but you’ve reached your full retirement age and have not yet reached age 70, another option is to voluntarily suspend your retirement benefits. With the suspension option you don’t have to repay the benefits you’ve received, and you can restart them anytime you wish, or they will be automatically be reinstated at age 70. (See SSA.gov/planners/retire/ageincrease.html to find your full retirement age.)
By suspending your benefits you’ll earn delayed retirement credits, which means your benefit amount increases for every month of the suspension. Your payment will go up by two-thirds of 1 percent monthly or 8 percent annually. A benefit of $1,500 monthly, for example, increases by $10 for each month you have benefits suspended.
You can request a suspension by phone (800-772-1213) or in person at your local Social Security office.
Working and Collecting Benefits
If you start collecting Social Security and you do go back to work, but your income is modest, you may want to continue drawing your benefits while working at the same time. But if your earnings are higher, it makes sense to stop your benefits.
Social Security has a “retirement earnings test” that says if you’re under your full retirement age and you earn more than $18,240 in 2020, Social Security will deduct $1 from your benefits for every $2 you earn over that amount. Those who reach full retirement age in 2020 a less stringent rule applies. In this case, $1 gets taken out for every $3 you make above $48,600 until you reach the month of your birthday.
It’s also important to know that if you were to lose some or all of your Social Security benefits because of the earning limits, they aren’t lost forever. When you reach full retirement age, your benefits will be recalculated to a higher amount to make up for what was withheld.
Also, if you do decide to work and collect Social Security benefits at the same time, you need to factor in Uncle Sam too. Because working increases your income, it might make your Social Security benefits taxable.
Here’s how this works. If your combined income is between $25,000 and $34,000 as an individual or between $32,000 and $44,000 as joint filers, you will pay tax on up to 50 percent of your Social Security benefits. If you earn above the upper limit of these ranges, you will pay tax on up to 85 percent of your benefits. To help you calculate this see the IRS publication 915 at IRS.gov/pub/irs-pdf/p915.pdf.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

Getting the annual flu shot is always important. But this year, it might be essential.
The SARS-Cov-2 coronavirus is surging throughout the state and much of the country, and many health experts are predicting an epidemic-level wave during the fall and winter months, right in the heart of the annual flu season in the U.S.
“That timing could be potentially disastrous for a number of reasons, but the most obvious is that the combined fight against coronavirus and influenza is potentially more than our healthcare system can handle,” said Oklahoma Medical Research Foundation physician-scientist Eliza Chakravarty, M.D.
Since the coronavirus first started spreading across the U.S. earlier this year, it has resulted in almost 2.3 million confirmed cases and 120,000 deaths, according to the Centers for Disease Control and Prevention as of June 22. Those numbers – and the associated strain on hospitals and healthcare resources – could be compounded by the flu, which in the during the 2019-20 season infected as many as 56 million Americans, with 740,000 hospitalizations and nearly 62,000 deaths, according to preliminary CDC data.
“Efforts taken with the shutdown, like socal distancing and wearing masks, have kept rates low enough to keep coronavirus patients separated from others who need other routine care,” Chakravarty said. “Add another outbreak and toss in a fast-spreading virus like the flu, and all that progress could go out the window.”
Chakravarty also worries about people getting exposed to both viruses. “Each of them is deadly enough individually, but we know they are especially dangerous for those with compromised immunity or lung function,” she said. “You don’t want to catch both if you’re already compromised.”
The good news is that there are ways to avoid this nightmare scenario, said OMRF President Stephen Prescott, M.D.
“We have to maintain already sensible practices, like physical distancing, wearing masks, and washing our hands,” said Prescott, a physician and researcher. “An obvious additional step is to get the flu shot. Even if you don’t normally get one, this is the time to do it.”
Flu shorts are generally inexpensive or free, and drive-thru vaccinations may become widely available. And while the shots are far from perfect, typically providing between 40 and 60 percent protection, “Some protection is better than none,” said Prescott.
Even if you contract the flu after receiving your shot, vaccination often leads to a milder case, said Chakravarty.
“A less-severe version is always a good thing, but now it might also save you or a loved one a trip to the hospital where coronavirus exposure is possible,” she said. “So, the bottom line is that flu shots save lives – this year, maybe more than ever.”

Photography and Text by Terry “Travels with Terry” Zinn t4z@aol.com

In this time of forced suspension of activities, one such even more missed than travel destinations is the suspension of theatrical shows, plays, and concerts. It’s comforting to look back over the years, and as a 72 year old I have plenty, and revel in the live performances and performers that are memorable. I call these times “In the presence of greatness.” While movie theaters are beginning to reopen, there is nothing like a meaningful and exceptional live performance.
My first theatrical experience was with the Mummers Professional Theater held in a warehouse in Oklahoma City’s on West Main street. The building is remarkably still there as are the memories of the performances of theatrical literature of Tennessee Williams, O’Neil and other classical playwrights. I was amazed at the performances and the performers. I remember fondly being taken their in my High School years by my mother and looking back it must have been exceptional theater to keep the attention of this teenager.
Decades later in the 1970s I saw and helped as a 12 hour a day intern at the Mummers Theater in its last season. The architectural award winning building was torn down for a vacant lot a few years ago, but the memories of performers such as Tamara Long, Carveth Osterhaus and Dody Goodman remain fresh and warm.
While a freshman at college I saw Carol Channing, in her record-breaking performances in OKC’s Music Hall’s Hello Dolly. I was so impressed I saw it twice, and that is saying something to buy 2 tickets with a small entertainment budget. In the era before higher security I went backstage in hopes of seeing her and followed a small group down beneath the stage to a small room, where Carol came to say “Hi.” Looking into those wide eyes and hearing that gravely voice, is an indelible memory. She was one of a kind. And still alive to me on the Hello Dolly cast album recording or on You Tube videos, I was surely in the presence of greatness then.
Other performances of greatness I saw at the Music Hall, were Louis Armstrong and Ray Charles.
In subsequent times at the Music Hall I sneaked on stage to greet and shake hands with Violin virtuoso, Joshua Bell. As my favorite violinist I have attended a number of his Oklahoma concerts with the Mozart Festival, or performances at the Music Hall and most recently on the Oklahoma State University campus.
On another backstage foray I saw in passing and up close the legendary Ethel Merman, after one of her guest concerts with the Oklahoma City Symphony. Wow, seeing her in only a glimpse a foot away was indeed my lucky night.
As you can tell my dedication to theater took me to New York City’s Broadway musicals. Top rated for me back in the 1970s was seeing the original 1973 cast of Pippin with the energetic and young Tony winner, Ben Vereen. A few years ago in Oklahoma City, the aging performer still had a bit of magic about him, but the one man show material he chose was less than satisfying. It’s a fact about live performers, that you never know their physical capabilities on any given night.
On Broadway seeing the original cast of Stephen Sondheim’s Into the Woods was memorable with Bernadette Peters playing the witch. I reveled in her recording of Sunday in the Park with George, but felt in Woods she lacked magic and energy. As one person said, it was like she was phoning it in. These feeling continued years later when she was doing a one woman small concert in Oklahoma City, where I think she was either coming down or getting over a cold and thus a disappointing performance.
In another OKC one man show, John Lithgow a consummate screen actor, chose self-absorbing material that was boring, even from sitting on the third row.
While you never know what kind of live performance you are going to get, kind of like that box of chocolates, there are other sweet morsels of performances that keep you coming back for more. In conjunction with City Rep the one-woman concerts of Audra McDonald and Patti Lapone, made up for any previous performers’ disappointment. McDonald’s pure, strong and full voice made me wish I’d have bit the expensive bullet of going to Broadway to see her award-winning performance in Porgy and Bess. La Pone’s “Ladies Who Lunch,” complete with martini glass, was a classic and an intense interpretation. Her other songs that night and theatrical stories let you know for sure you were in the presence of greatness. This was live theater you dream of.
Of course LaPone’s song is from the Stephen Sondheim musical, Company. In graduate school I made my thesis on Sondheim’s work and in particular Company. As a result of library investigation I found his Manhattan Turtle Bay address and sent him a letter requesting a copy of his unpublished song called “Silly People,” which was cut from A Little Night Music. With his generosity he sent me a rehearsal copy of the music and that started up my long time correspondence with him that ultimately resulted in an hour’s long private conversation in his townhouse. Just being in his presence and him knowing of my existence encouraged me as a playwright/librettist to this present day. Known as the best living composer/lyricist of the musical theater genre, certainly puts Sondheim in a category of greatness and I treasure the memory of being in his presence. So many memories and more to come next month.

(Editors Note: Terry Zinn is a theater graduate of Oklahoma City University with a Masters Degree in Theater from the University of Cincinnati and has attended several theatrical workshops and performed on several stages over the decades.)

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The Oklahoma Medical Research Foundation has received a $1.75 million federal grant to study the impact of the coronavirus on Oklahomans.
Funded by the National Institute of Allergy and Infectious Diseases, the two-year project will seek to understand the immune system’s response to the virus and how that immune response varies in different ethnic groups. Additionally, the study aims to understand if the immune response is protective against future infections — or if it might worsen them.
“OMRF has a strong history and wonderful partnerships throughout the state,” said Linda Thompson, Ph.D., who will help lead the project. “That should enable us to quickly obtain blood samples from those who have been exposed to or infected by the coronavirus.”
The researchers will analyze blood donated by volunteers to understand individuals’ differing immune responses to the virus. The OMRF scientists will be looking for biological clues that might identify those individuals most likely to experience a severe response to coronavirus infection.
As a group, Oklahomans are at a somewhat higher risk for life-threatening complications from Covid-19, as they tend to have higher rates of other conditions associated with greater mortality from coronavirus infection: obesity, diabetes, heart disease and high blood pressure.
OMRF is actively recruiting individuals for Covid-19 antibody testing, especially people with these high-risk conditions, those with Native American heritage, and those who know or suspect they have recovered from the virus. If you’re interested in participating, please call 405-271-7221 or email Jackie-Keyser@omrf.org.
OMRF researchers will also be studying the roles and reactions of antibodies that form in the immune response to infection to the virus known technically as SARS-CoV-2.
“Specifically, we need to know if antibodies help fight the virus,” said Mark Coggeshall, Ph.D., who will also help lead the research. Work will focus on a phenomenon called antibody-dependent enhancement, where instead of protecting people from future infections, antibodies could actually make future infections worse.
“We have to understand all aspects of the body’s immune response and which ones correlate to good health outcomes, and we also need to understand how these vary in different ethnicities,” said Thompson. “This knowledge gap needs to be filled quickly to inform vaccine trials, some of which are already underway.”
The new funding comes as a supplement to a grant awarded to OMRF to study the immune system’s response to anthrax bacteria as part of the NIAID’s Cooperative Centers for Human Immunology.
“Our existing research on anthrax has a developed infrastructure to study immune response to a serious viral infection,” Thompson said. “So, we are set up to start this project without having to develop new methodology. The work can, and will, begin immediately.”
Coggeshall, for one, is eager to start the new project. “Our anthrax work is promising and important, but all research efforts right now should be on SARS-CoV-2 and Covid-19,” he said. “There is no more urgent issue to study in the world, and we will do everything we can to help.”

story and photo by Bobby Anderson, Staff Writer

Simply stunning.
No other words quite describe the feeling of walking into HarborChase of South Oklahoma City.
Visually remarkable, the brand new assisted living and memory care residence located at 10801 S May Ave is a treat for all five senses.
Depending on the hour or day, you might hear the smooth gospel stylings of pianist Gatha Graham or the laughter from the main dining room.
In the afternoon, the smell of freshly popped popcorn wafts through the air.
Wood-fired pizza directly out of the oven, crab cakes or a prime rib dinner cooked to order await to be enjoyed downstairs or in the privacy of your residence with room service.
Amenities abound at Oklahoma City’s newest senior residence offering.
“It’s amazing,” says Executive Director Willena Ferguson while walking through the finely-appointed property, which is also licensed as a hotel by the state.
After spending the past 15 years in senior living, Ferguson has spent the last 14 months bringing HarborChase to life in the metro.
Residents began moving in February 29 prior to the recent quarantine.
Vero Beach, Fla. – based Harbor Retirement Associates brings the luxury living option to Oklahoma.
HRA operates more than 35 communities in eight states and is partnering on the construction of even more communities in seven additional states. HRA manages over $150 million in revenue and approximately $1 billion in assets while employing 2,000 associates.
HarborChase of South Oklahoma City is now accepting new residents and is proud that through June, the residence remained entirely Coved-free with no residents or employees testing positive.
That’s thanks to a stringent entry criteria as well an extensive daily sanitization regimen.
Temperature checks are completed three times daily. No one can enter the facility without having their temperature scanned.
The building is disinfected twice daily.
The Oklahoma Room is a crowning jewel at the residence. The nearly 1,900-square foot safe room is rated by FEMA to withstand 500-mile-per-hour winds. An enclosed generator ensures power and a full-stocked pantry provides food and water for residents for up to three days in the case of disaster.
Some $400,000 worth of concrete – nearly two-feet thick – protects residents as does the bulletproof glass and rolling steel hurricane shutters.
“It’s really kind of cool some of the amenities they put into the building,” said Ferguson, who also noted the space serves as a movie theatre room, and a chapel.
HarborChase offers both one and two-bedroom assisted living options.
From the very first day a resident moves into HarborChase, they are a familiar name and face, treated as a respected and cherished member of the family. Ferguson and her staff are dedicated to providing an ongoing feeling of connection, communication, comfort and caring. Upon arrival, a unique “Silhouette of My Life” profile for each individual resident is created to ensure that their wants, needs and desires are being met.
This customized profile allows care partners to create fun activities and programs based around residents’ favorite pastimes, foods and memories.
Each day, care partners offer respectful assistance with walking, dressing, grooming and more. You’ll rest easy knowing that your loved one’s medical needs are provided for by a caring and compassionate team of licensed nurses and medication assistants.
In order to help nurture their independence, your loved one will receive the personalized level of care and support they need with friendly supportive services that truly make life easier and more enjoyable. An active and purposeful lifestyle awaits your loved one at HarborChase.
A dedicated memory care unit is also built in.
Harbor Chase’s acclaimed Memory Care neighborhood is a safe, serene and loving harbor for residents and their families.
A putting green sits in the interior courtyard next to the cabana. A family of ducks seems to enjoy the fountains and raised, self-watering flower beds that are being installed next to their float pool.
An art studio and fitness gym are also on site.
Business Office Manager, Tia Crittenden, has worked with Ferguson for 10 years now, following her along her journey.
“I have a really huge loyalty to Willie. She’s an amazing director,” Crittenden said. “Her standards are very high.”
Ferguson smiles and explains it all comes down to setting the bar high and building lasting relationships.
“I love this population,” Ferguson said.
And there’s no doubt this population will love HarborChase.
HarborChase is located at 10801 S May Ave, Oklahoma City, OK 73170. Call (405) 429-8386 for more information or visit: www.harborchase.com

by Nick Thomas

Reassembling a dozen cast members from a popular 90s TV sitcom could pose a challenge for any network, much less an individual. But it was a task Fran Drescher relished. As the nasal voiced star of the hit CBS series “The Nanny,” Drescher co-created and co-produced the show along with then-husband Peter Marc Jacobson.
“Peter came up with the reunion idea for fans stuck at home during isolation and I said right away let’s do it if everyone in the cast is available,” said Drescher from her home in Malibu.
Unable to meet collectively in a studio due to quarantine restrictions, all 12 credited actors who appeared in the 1993 pilot agreed to participate from their home in April in a “Pandemic Table Read” via a Zoom split-screen reading of that first episode, interspersed with cuts from the original broadcast.
In addition to the cast, Jacobson narrated the reading while Ann Hampton Callaway – composer and performer of the show’s catchy theme – opened with a lively rendition on piano.
Drescher admits the reunion brought memories flooding back. “To see everybody and to hear the words again made me miss the show and everyone in it so much. It gave me a lift during this terrible period. Hopefully, it did the same for fans.”
Although nearly 20 years have passed since “The Nanny” first aired, Drescher says she still remembers the pilot and the live studio audience.
“They didn’t know the characters or what to expect from us,” she recalled. “But they quickly got it and were soon anticipating laughing almost before we said the lines. They had never really experienced an outrageous character like Nanny Fran Fine that incorporated elements of Cinderella, Mary Poppins, and The Sound of Music’s Maria.”
Several years after “The Nanny” ended production, Drescher was diagnosed with uterine cancer. She completely recovered, but the experience steered her toward a second career to promote a “whole-body approach to wellness” and form the Cancer Schmancer Movement in 2007 (see www.cancerschmancer.org). More recently, Drescher produced a series of videos called “Corona Care 4 You” featuring interviews with health experts during the pandemic.
A longtime advocate of natural foods and products, Drescher was isolated at home for weeks during the spring like much of the country and used the time to catch up on TV shows, writing, and cleaning. As Nanny Fine, her famous TV character might not have scolded Niles the Butler for using corrosive cleaning products to sanitize the Sheffield’s home in which the 90s Nanny series was set, but today she probably would.
“I use 65% alcohol in a spray bottle with a little water and some peppermint oil which smells nice and has some antimicrobial properties,” she said.
Despite the forced home confinement, Drescher took it largely in her stride.
“I happen to like staying at home, so I don’t get cabin fever easily,” says Drescher who currently stars in the NBC comedy “Indebted.” But for the actress and her former husband with whom she remains close friends, their collaboration on “The Nanny” remains a career milestone. “This was our baby and we remember everything about it.”

Nick Thomas teaches at Auburn University at Montgomery and has written features, columns, and interviews for over 800 newspapers and magazines.

Stephenson Cancer Center at OU Medicine took part in an international clinical trial that proved the effectiveness of an oral medication for metastatic prostate cancer, the first treatment advance for that disease in many years.
Results of the trial, which studied the drug relugolix, were published in the prestigious New England Journal of Medicine. One of the lead authors is Michael Cookson, M.D., Stephenson Cancer Center urologic oncologist and chair of the Department of Urology in the OU College of Medicine.
The mainstay of treatment for metastatic prostate cancer is androgen deprivation therapy, also called hormonal therapy, in which a man’s testosterone level is lowered in order to put cancer cells into a state of remission. For many years, the therapy has been available only in the form of an injection, which sends a signal to the brain to shut down the production of testosterone. The new trial studying the oral drug relugolix showed the same ability to lower testosterone, perhaps even better, as well as a decrease in several side effects that occurred with the injection.
“Prostate cancer is the second-leading cause of cancer deaths among men,” Cookson said. “This study is exciting because it is the first trial to demonstrate that men can take a pill instead of having to go to the doctor’s office for shots, and the cancer control is just as effective. But there were several additional findings that are also positive.”
One of the trial’s bonus findings centers around how a man’s testosterone is lowered, Cookson said. Injections work by stimulating the pituitary gland so that there is initially a slight overproduction of testosterone before it starts to lower. That “flare” of testosterone after the injection delays the effectiveness of the therapy. However, the drug relugolix is able to tell the brain to stop producing testosterone immediately without a flare.
“In addition, because the pills directly send the message to stop testosterone production, they lowered the testosterone level faster than injections do, and kept it lower over the duration of the study,” Cookson said. “And perhaps even more interesting is that once men stopped taking the pill, their testosterone level rebounded fairly quickly, whereas men who received injections can take up to a year to go back to their normal testosterone levels.”
Another important finding of the trial was a decrease in cardiovascular side effects in men who received the oral drug vs. the injection. While cardiovascular side effects were not eliminated in men who took the pill, they were significantly lowered, Cookson said.
Stephenson Cancer Center was one of many centers around the world that collectively enrolled more than 900 men to the trial. The patients were randomized to receive either the injection or the oral drug, then their health was monitored for 48 weeks. The next, and final, step is to seek approval from the Food and Drug Administration to offer the drug relugolix to patients with metastatic prostate cancer.
Because Stephenson is a National Cancer Institute-Designated Cancer Center and one of the nation’s top enrollers in NCI clinical trials, it treats many men with metastatic prostate cancer, Cookson said.
“This clinical trial is part of our portfolio for men with this disease,” he said. “Our prostate cancer program is unique because it is truly multidisciplinary, offering the most advanced medical, surgical and radiation therapy treatments with access to clinical trials, all at the same center.”

At 93 years old, Carlene Pearce remains a very active 29-year volunteer with the Retired and Senior Volunteer Program of Central Oklahoma, a United Way of Central Oklahoma partner. Through RSVP, she volunteers her time with the American Red Cross sewing group and since March, has stitched more than 350 face masks that are distributed in the community to help with COVID-19 safety.
As part of her sewing group, Carlene says she sews 3-6 hours a day, taking at least one day off to tend to her own projects. During the pandemic, she and her group, which typically meets on Thursdays, are working strictly from home. She is currently making masks, but also does a lot of sewing for Veteran’s groups making tote bags, pillows, lap throws, and eyeglass cases.
“I’ve been sewing since I was 14 years old. My grandma taught me how and I love any kind of handcraft. I have to have some sewing project in my hand,” she said.
In the nearly three decades with RSVP of Central Oklahoma, she’s volunteered with the Midwest City Police Department, OU Children’s Hospital, the Hugs Project, and Veteran’s Hospital. She’s logged more than 15,000 hours as a volunteer.
“Volunteering keeps me busy and I know that if it is helping someone else, it brings me joy and a sense of ease,” Carlene said.
Since 1973, RSVP of Central Oklahoma has helped senior adults continue to live with purpose and meaning by connecting them with rewarding community volunteer opportunities, including RSVP’s Provide-A-Ride Senior Transportation Program. RSVP is a partner of Senior Corps and the United Way of Central Oklahoma. To learn more about becoming a volunteer, call Laura McPheeters at 405.605.3110 or visit rsvpokc.org. You can also follow RSVP on Facebook at facebook.com/RSVPokc.